Find Help

If you, or someone you know, is having financial worries call the United Way’s 2-1-1 helpline at 1-800-427-4626. This number will connect you with trained professional 24 hours a day, 7 days a week, who can advise you of the resources closest to you. Find out more by visiting


Community Resource Map

The St. Louis area—and your local community—has many resources available for those in need. We’ve created an interactive map that will show you organizations you may turn to:



Trusted Community Resources 

Below are some resources that may be able to provide you with more information and assistance. If you know of a resource that you do not see on this list please e-mail us at or leave a comment.


United Way of Greater St. Louis
United Way of Greater St. Louis offers 2-1-1, a free 24 hour helpline that connects Missouri and Illinois residents to housing counselors and foreclosure resources. Residents of Missouri calling from a landline need only dial 2-1-1. Illinois residents and individuals calling from a cell phone should dial (800) 427- 4626.

Better Family Life
Better Family Life serves the metropolitan St. Louis area through its HUD certified housing counseling and classes in individualized budgeting and home ownership.

Beyond Housing
Beyond Housing provides housing counseling as well as support services for low-income families and homeowners.

Catholic Charities
Catholic Charities Housing Resource Center enables low- to moderate-income families to achieve long-term housing stability and affordable housing. Assists homeless individuals and families with emergency shelter when prevention is no longer possible. Catholic Charities also offers a housing crisis hotline: (314) 802-5444.

ClearPoint Credit Counseling Solutions
ClearPoint Credit Counseling Solutions helps consumers obtain a clear perspective of their financial situation through counseling and education. ClearPoint offers HUD approved housing counseling solutions and National Foundation for Credit Counseling approved bankruptcy counseling.

Federal Bureau of Investigation
St. Louis’s FBI division offers resources for victims of mortgage fraud and foreclosure scams.

International Institute of St. Louis
International Institute of Saint Louis helps low income immigrants and refugees move out of poverty by helping them acquire assets which will appreciate and server as wealth-builders. The International Institute helps by opening a matched savings account, which this money can be used to purchase a home.

Land of Lincoln Legal Services
Land of Lincoln Legal Services offers free civil legal services to low-income and senior citizen homeowners in Illinois.

Legal Services of Eastern Missouri
Legal Services of Eastern Missouri offers civil legal services to low-income homeowners in Eastern Missouri facing foreclosure or other mortgage issues.

NeighborWorks America
NeighborWorks America provides a network of local organizations who special in foreclosure counseling and solutions.

The mission of Provident is to strengthen families; to provide youth the opportunity and resources to succeed; and, to assist communities to be stable and productive. We do this by providing prevention and treatment services that have the greatest potential for positive impact. We are dedicated to providing superior value to our customers by developing innovative high-quality services for our clients.

St. Louis Mental Health Board
St. Louis Mental Health Board works with people who have serious and persistent mental disorders they can live, work, and socialize in environments of their choosing and improving their health. Some partners of this program such as Places for People and St. Patrick Center provide opportunities for people who are homeless or at risk of becoming homeless to make positive decisions in order for them to attain affordable housing.

St. Louis Public Library
St. Louis Public Library offers advice on choosing a mortgage from reverse mortgages, two-step mortgages, balloon payment mortgages, and house flipping.
Salvation Army-Midland Division
Salvation Army provides resources for those who have already been foreclosed upon and do not have an alternative housing option.

Urban League
Urban League of St. Louis serves St. Louis City, St. Louis County and St. Claire County residents. Offering services in pre- and post-purchase mortgage counseling, Urban League’s HUD certified counselors advise clients on the home buying process and work with lenders to find solutions to foreclosure. Urban League also offers a foreclosure helpline staffed by housing counselors who not only offer mortgage advice, but also work to find alternatives to foreclosure. Call the helpline at  888-995-HOPE.

U.S. Department of Housing and Urban Development
U.S. Department of Housing and Urban Development (HUD) helps to increase homeownership, support community development and increase access to affordable housing free from discrimination. HUD contains information from buying, selling, owning a home to HUD-approved lenders and housing discrimination complaints. HUD has launched a new campaign to urge homeowners to seek free, HUD-approved housing counseling advice before they are at risk of foreclosure, Keep Your Home. Know Your Loan. campaign.


3 Responses to Find Help

  1. LINDA GRIFFIN says:

    I am in need of help to stop needless and now dangerous loss of finances.

    Autumn, 2003: I was recovering from major illness when my mother fell, broke her hip and was ‘officially’diagnosed with alzheimers. I say, ‘officially’ because , as I would learn from bits of evidence all over the house, even she was aware of deficits and declines in earlier stages. Other problems clouded others from making distinctions until much later.

    Health and homeowners’ insurance were already threatening my situation. It was the first time I had to turn to family for help. Lucky that my mother had 20c. Benefits of all kinds. And, it could be said of her that she was ‘over insured’.

    Around that same time, my son enlisted in the military. He also got to my mother while she was in the hospital and had her sign a Durable Power of Attorney. She had already replaced my name with his (jointly) on her cash accounts , in 2001. She was advancing rapidly at that time, so her reasons for doing this were not the healthiest. I didn’t have reason to think or worry about it, however.

    Slowly but surely, my son began to break all the agreements he and I made on the basis of what is best for family, finances etc. Not much later, he broke agreements /assistance my mother made with me and was acting on until he intervened. I found myself alone providing labor , contractors for what I couldn’t do(increased under growing stresses) and all expenses(extensive for many reasons) and , worst of all my son is withholding all information related to the house and mother’s finances. It had been agreed that he would continue to pay p.I.t.I. on the house and from what small amounts of info I got through emails with him etc. I had no reason to suspect otherwise. He even stated in legal papers involving a lawyer that there were no outstanding debts on mother’s estate. Hostility and opposition and destructive behavior is intensifying and becoming dangerous and affecting every area of my life. It would have been more than enough to deal with mother’s issues and son dodging bullets in military in repeated deployments. This added an unexpected twist that made additional healthcare necessary and certainly did not benefit my abilities and responsibilities. I found myself losing money on labor and various other service providers. In the process of doing ‘due diligence’ before and after many of these losses, I would learn from attorney general that st. louis has more than its share of cheats and con artists.
    There is still much work to be done and my search for quality help is ongoing.

    My mother died 12/12/07. My son’s so called power of atty ended. While I am my mother’s only child and named as executrix in her will, I continued my search for legal help before I made any move or decision whatsoever. I had no idea what I might be getting myself into. But, I was certain that something was profoundly wrong with my son. Effects of war, for sure, substance abuse, for sure. More clearly defined tests or measures, I hope to learn more.

    I was shocked when sometime in late march, 2008, I received legal documents stating a mortgage principal balance of just under $42,000. I must have contacted dozens of attorneys(email and post its all over the place) etc. and still have no help. Other bills are showing up which common sense tells me I am not obligated to pay. In 1999, I did all the original real estate work with the finding, purchasing and relocating to this house. (I did not co sign because I needed credit clear in case I got sick again).
    Somewhere between then and 2003, my son refinanced the mortgage to an a.r.m. It is entirely possible that he got caught up in the subprime mess. It is also entirely possible that mortgage balance is lethal hostility directed at me . This substance and war abused son has devastated my mother’s finances to the sole credit of the nursing home (that should have been paid with more than enough insurances , private and/or public. His mother and himself and his sister, are left with nothing(and in need of insurances and facing current economy) and four years of receipts/paid out on mother’s behalf and on property behalf and debts on mortgage and even two sizable tax bills that I’m pretty sure are the responsibility of power of atty when it was still in force. I am still alone in the house, with no help from family and reluctant to pay for help given attendant losses in the past. The foreclosure date on this property is July 17, 2008.

    Is there any possibility of help/intervention from someone? I’m not asking for freeloading/free ride. I am asking for help in minimizing further excessive damage and abuses to me and my limited resources with already so many uncertainties(and regrets) looming. I’m screaming ‘stop’ but it appears nobody can or will hear me.

    Linda Griffin
    239-293-0800, cell

  2. Elise Muraski says:

    My name is Elise. I am a 29 year old wife and mother of two small children. My husband has been pursuing his pilot dream since before 911. We a have done 4 years in the Air Force, been through a deployment, being a flight instructor and we took out 20 thousand dollars against our equity to help finish paying for my husband ratings. We are now stuck in an ARM loan, my we have been surviving on poverty level income and my husband just got furlowed. We can’t make our house payment including intrest and are in trouble. We have no unsecured debt and no financial agency will help us b/c of our income. We need to refinance! We have great credit and pay our bills on time but b/c of our income we can find no aid. According to all the help agencies we should have racked up 50,000 dollars in debt in order to redeive help, what kind of world do we live in? HELP.

  3. I can tell that this is not the first time you mention this topic. Why have you decided to write about it again?

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